A technique for integrating documents and data into a policy management system issues an event trigger from a memory system upon receipt of documents and data related to an insurance policy. An SFTP system runs software for identifying documents and data required for the insurance policy and designating access rights to the same by users and vendors and for specifying actions to be performed upon receipt of the identified documents and data. The event trigger causes the SFTP system to perform the specified actions associated with the received document or data and to push the uploaded documents and/or the results from performance of the specified actions to the users and/or vendors having access rights to the uploaded documents and/or results. The insurance policy is represented in a JSON data structure that defines the document and data management policies and an order of process tasks required for the insurance policy.
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1. A policy management system that automatically triggers actions upon receipt of electronic documents or data, comprising: a memory system that receives electronic documents and data and provides event data upon receipt of at least one of an electronic document or data related to underwriting of an insurance policy; a machine-readable storage device that stores computer-executable instructions including a diary system that implements a document management policy that identifies and tracks items and an order of actions needed for completion of underwriting of the insurance policy; and at least one processor communicatively coupled to the machine-readable storage device that, when the computer-executable instructions are executed, configures the system to perform operations including: providing an interface through which a user may specify electronic documents and data required for completing underwriting of an insurance policy and may designate access rights to the electronic documents and data, the interface further enabling the user to specify the actions to be performed by the diary system upon receipt of the event data; programming into the diary system the electronic documents and data required for completion of underwriting of the insurance policy with the actions to be taken by the least one processor upon receipt of the event data, wherein the insurance policy is represented in a JavaScript Object Notation (JSON) data structure in the diary system, the JSON data structure defining document and data management policies for underwriting the insurance policy and an order of actions associated with the electronic documents and data required for underwriting the insurance policy; upon receipt of the at least one electronic document or data by the memory system, passing first event data as a parameter to the diary system; invoking an action specified in the diary system that is to be taken by the at least one processor upon receipt of the first event data; automatically pushing at least one of the received electronic document, received data, or results from performance of the action specified in the diary system to at least one user or vendor having access rights to the at least one of the received electronic document, received data, or results; and advancing the diary system to await second event data to invoke a next action specified by the document management policy of the diary system upon receipt of the second event data.
2. A system as in claim 1 , wherein the JSON data structure in the diary system provides at least one of field breakdowns and parsed fields of the insurance policy relevant to a respective user or vendor of the at least one user or vendor, and the at least one processor executes instructions to automatically push at least one of the received electronic document or received data by providing to the respective user or vendor only portions of the electronic documents or data relevant to the respective user or vendor.
This invention relates to a system for managing and distributing insurance policy data to users and vendors. The system addresses the challenge of efficiently organizing and delivering policy-relevant information to different stakeholders, ensuring they receive only the portions of the data that are pertinent to their roles. The system includes a diary system that stores insurance policy data in a structured JSON format, which allows for flexible field breakdowns and parsed fields. These fields are categorized based on relevance to specific users or vendors. The system processes electronic documents and data, extracting and filtering information to match the needs of each recipient. At least one processor executes instructions to automatically push the filtered data to the respective user or vendor, ensuring they receive only the relevant portions of the electronic documents or data. This targeted distribution improves efficiency and reduces information overload by tailoring the data to the specific requirements of each stakeholder. The system enhances accessibility and usability of insurance policy information by dynamically adapting the data presentation to the context of the recipient.
3. A system as in claim 1 , wherein the diary system includes a listing of electronic documents required to complete underwriting of the insurance policy and associated actions to be completed upon receipt of a particular electronic document associated with the insurance policy.
The system relates to insurance underwriting, specifically automating the collection and processing of electronic documents required to finalize an insurance policy. The problem addressed is the inefficiency and potential errors in manually tracking and managing the various documents and actions needed during the underwriting process. The system includes a diary system that maintains a listing of all electronic documents required to complete underwriting, along with associated actions that must be taken upon receipt of each document. This ensures that underwriters and other stakeholders are aware of the necessary steps and can efficiently process the policy. The diary system may also track deadlines, dependencies between documents, and status updates to streamline workflows. By automating these processes, the system reduces administrative burden, minimizes delays, and improves accuracy in policy underwriting. The system may integrate with document management systems, workflow tools, or other underwriting platforms to enhance functionality. The overall goal is to provide a structured, automated approach to document collection and action tracking, improving efficiency and compliance in insurance underwriting.
4. A system as in claim 1 , wherein the at least one processor further executes instructions to publish the at least one electronic document or data associated with the event data and results from performance of the actions specified in the diary system to a file folder in a database, the file folder having access rights limited to the at least one user or vendor having access rights to the at least one electronic document or data associated with the event data.
This invention relates to a system for managing electronic documents and event data, particularly in a controlled access environment. The system includes at least one processor that executes instructions to perform various functions, including publishing electronic documents or associated data to a secure file folder in a database. The file folder is restricted to users or vendors with specific access rights, ensuring that only authorized individuals can view or interact with the documents or data. The system also tracks event data and results from actions performed within the diary system, storing this information in a structured manner. The processor further manages access permissions, ensuring that only designated users or vendors can access the relevant documents or data. This system is designed to enhance security and organization in environments where sensitive information must be protected and access must be tightly controlled. The invention addresses the need for secure document management and event tracking in systems where multiple users or vendors may interact with the same data, but with varying levels of access. The processor-driven approach ensures that all actions and data are properly logged and stored, while access rights are dynamically enforced to prevent unauthorized access.
5. A system as in claim 3 , wherein the at least one processor further executes instructions to invoke a secure file transfer protocol (SFTP) service upon receipt of the first or second event data to invoke the diary system for the insurance policy to link the insurance policy to the electronic documents and data required for underwriting of the insurance policy.
The system is designed for insurance underwriting, specifically addressing the challenge of securely linking electronic documents and data to an insurance policy. The system includes at least one processor that processes event data related to insurance policies. Upon receiving event data, such as policy creation or modification, the system automatically invokes a secure file transfer protocol (SFTP) service. This service connects the insurance policy to the necessary electronic documents and data required for underwriting. The SFTP service ensures secure and authenticated transfer of files, maintaining data integrity and confidentiality. The system also includes a diary system that tracks and manages the underwriting process, ensuring all required documents are properly linked to the policy. This automation reduces manual errors and streamlines the underwriting workflow, improving efficiency and compliance. The system is particularly useful in environments where secure handling of sensitive policy data is critical.
6. A computer-implemented method of automatically triggering actions upon receipt of electronic documents or data by a policy management system, the method comprising: providing, by at least one processor, an interface through which a user may specify electronic documents and data required for completing underwriting of an insurance policy and may designate access rights to the electronic documents and data by at least one of users and vendors; determining, by the at least one processor, actions to be performed by a diary system upon receipt of event data, the event data being provided by a memory system upon receipt of at least one of an electronic document or data related to underwriting of the insurance policy and the diary system implementing a document management policy that identifies and items and an order of actions needed for completion of underwriting of the insurance policy; programming, by the at least one processor, into the diary system the electronic documents and data required for completion of underwriting of the insurance policy with the actions to be taken upon receipt of the event data, wherein the insurance policy is represented in a JavaScript Object Notation (JSON) data structure in the diary system, the JSON data structure defining document and data management policies for underwriting the insurance policy and an order of actions associated with the electronic documents and data required for underwriting the insurance policy; upon receipt of the at least one electronic document or data by the memory system, passing, by the at least one processor, first event data as a parameter to the diary system; invoking, by the at least one processor, an action specified in the diary system that is to be taken by a secure file transfer protocol (SFTP) system upon receipt of the first event data; automatically pushing, by the SFTP system, at least one of the received electronic document, received data, or results from performance of the action specified in the diary system to at least one user or vendor having access rights to the at least one of the received electronic document, received data, or results; and advancing, by the at least one processor, the diary system to await second event data to invoke a next action specified by the document management policy of the diary system upon receipt of the second event data.
This invention relates to an automated system for managing underwriting processes in insurance by triggering actions upon receipt of electronic documents or data. The system addresses inefficiencies in manual underwriting workflows by automating document handling, access control, and task sequencing. A policy management system provides an interface for users to specify required documents and data for underwriting, along with access rights for users and vendors. The system determines actions to be performed by a diary system upon receiving event data, which is generated when electronic documents or data related to underwriting are received. The diary system implements a document management policy that defines the items and order of actions needed to complete underwriting. The system programs the diary system with the required documents and data, linking them to specific actions. When a document or data is received, the system passes event data to the diary system, which invokes an action such as pushing the document or data to authorized users or vendors via a secure file transfer protocol (SFTP) system. The diary system then advances to await the next event data to trigger the subsequent action in the underwriting workflow. The insurance policy is represented in a JSON data structure, which defines document management policies and the order of actions for underwriting. This automation ensures timely and secure document handling, reducing manual intervention and improving efficiency in the underwriting process.
7. A method as in claim 6 , further comprising providing at least one of field breakdowns and parsed fields of the insurance policy relevant to a respective user or vendor of the at least one user or vendor in the JSON data structure in the diary system, and automatically pushing at least one of the received document or received data by providing to the respective user or vendor only portions of the electronic documents or data relevant to the respective user or vendor.
This invention relates to insurance policy management systems, specifically improving data accessibility and relevance for users and vendors. The system processes insurance policy documents, extracting and organizing key information into a structured JSON data format. The method includes parsing the policy documents to identify and categorize relevant fields, such as coverage details, terms, and conditions, and breaking down these fields into granular components for easier navigation. The system then filters and delivers only the portions of the policy data that are pertinent to a specific user or vendor, ensuring they receive only the information relevant to their role or responsibilities. This selective data push enhances efficiency by reducing information overload and streamlining access to critical policy details. The system may also integrate with a diary system to track and manage these data interactions, ensuring transparency and accountability in how policy information is accessed and utilized. By automating the extraction, parsing, and selective distribution of policy data, the invention improves workflow efficiency and reduces errors in policy interpretation and application.
8. A method as in claim 6 , wherein the diary system includes a listing of electronic documents required to complete underwriting of the insurance policy and associated actions to be completed upon receipt of a particular electronic document associated with the insurance policy.
The invention relates to an automated insurance underwriting system that streamlines the process of gathering and managing electronic documents required for policy underwriting. The system addresses inefficiencies in traditional underwriting by providing a structured framework for tracking necessary documents and associated actions. The diary system within the underwriting platform maintains a comprehensive listing of all electronic documents needed to finalize an insurance policy. For each document, the system specifies the required actions that must be completed once the document is received. This ensures that underwriters and other stakeholders can quickly identify missing documents and take appropriate follow-up steps. The system may also include features to monitor deadlines, prioritize tasks, and automate notifications to expedite the underwriting process. By centralizing document tracking and action management, the invention reduces manual effort, minimizes errors, and accelerates policy approval. The diary system enhances transparency and accountability by clearly outlining the status of each document and the next steps required. This approach improves efficiency in insurance underwriting workflows, particularly in environments where multiple documents and actions must be coordinated.
9. A method as in claim 6 , further comprising the SFTP system publishing the at least one electronic document or data associated with the event data and results from performance of the actions specified in the diary system to a file folder in a database, the file folder having access rights limited to the at least one user or vendor having access rights to the at least one electronic document or data associated with the event data.
This invention relates to a secure file transfer protocol (SFTP) system for managing electronic documents and data associated with event data and performance results. The system includes a diary system that specifies actions to be performed, and the SFTP system publishes the electronic documents or data, along with results from the performed actions, to a file folder in a database. The file folder has restricted access rights, ensuring that only authorized users or vendors with the appropriate permissions can access the documents or data linked to the event data. The system enhances data security and controlled access to sensitive information by leveraging SFTP for secure file transfers and access control mechanisms to restrict unauthorized access. The diary system tracks and records the actions performed, and the SFTP system ensures that the results and associated documents are securely stored and accessible only to those with the necessary permissions. This approach improves data integrity and confidentiality in environments where secure document management is critical.
10. A method as in claim 8 , further comprising invoking an SFTP service upon receipt of the first or second event data, the SFTP service invoking the diary system for the insurance policy to link the insurance policy to the electronic documents and data required for underwriting of the insurance policy.
This invention relates to insurance underwriting systems that automate the linking of electronic documents and data to insurance policies. The problem addressed is the manual and error-prone process of associating underwriting documents with the correct policy, which can lead to compliance risks and inefficiencies. The method involves monitoring for specific events related to insurance policies, such as the creation or update of an insurance policy. Upon detecting one of these events, an SFTP (Secure File Transfer Protocol) service is automatically invoked. This service interacts with a diary system associated with the insurance policy to establish a connection between the policy and the necessary electronic documents and data required for underwriting. The diary system acts as a centralized repository or tracking mechanism for policy-related information, ensuring that all relevant documents are properly linked to the correct policy. The SFTP service facilitates secure and automated transfer of underwriting documents, reducing manual intervention and improving accuracy. The system ensures that underwriting data is correctly associated with the policy, enhancing compliance and streamlining the underwriting workflow. This automation minimizes errors and speeds up the underwriting process.
11. A machine-readable storage device that stores computer-executable instructions that, when executed by at least one processor, implements a method of automatically triggering actions upon receipt of electronic documents or data by a policy management system, comprising: providing an interface through which a user may specify electronic documents and data required for completing underwriting of an insurance policy and may designate access rights to the electronic documents and data by at least one of users and vendors; specifying actions to be performed by a diary system upon receipt of event data, the event data being provided by a memory system upon receipt of at least one of an electronic document or data related to underwriting of the insurance policy and the diary system implementing a document management policy that identifies and items and an order of actions needed for completion of underwriting of the insurance policy; programming into the diary system the electronic documents and data required for completion of underwriting of the insurance policy with the actions to be taken by the least one processor upon receipt of the event data, wherein the insurance policy is represented in a JavaScript Object Notation (JSON) data structure in the diary system, the JSON data structure defining document and data management policies for underwriting the insurance policy and an order of actions associated with the electronic documents and data required for underwriting the insurance policy; upon receipt of the at least one electronic document or data by the memory system, passing first event data as a parameter to the diary system; invoking an action specified in the diary system that is to be taken by the least one processor upon receipt of the first event data; automatically pushing at least one of the received electronic document, received data, or results from performance of the action specified in the diary system to at least one user or vendor having access rights to the at least one of the received electronic document, received data, or results; and advancing the diary system to await second event data to invoke a next action specified by the document management policy of the diary system upon receipt of the second event data.
The invention relates to an automated system for managing underwriting processes in insurance policy management. The system addresses inefficiencies in handling electronic documents and data required for underwriting by automating workflows and ensuring proper access control. A policy management system receives electronic documents or data related to underwriting and triggers predefined actions based on a document management policy. Users can specify which documents and data are needed for underwriting and assign access rights to users or vendors. The system uses a diary system to track and execute actions in a predefined order, with the insurance policy represented as a JSON data structure. This structure defines document management policies and the sequence of actions required for underwriting. Upon receiving an electronic document or data, the system generates event data, which triggers the diary system to perform the next action in the workflow. The system then automatically shares the document, data, or action results with authorized users or vendors and advances to the next step in the process. This automation ensures timely completion of underwriting tasks while maintaining secure access control.
12. A device as in claim 8 , further comprising instructions for providing at least one of field breakdowns and parsed fields of the insurance policy relevant to a respective user or vendor of the at least one user or vendor in the JSON data structure in the diary system, and for automatically pushing at least one of the received document or received data by providing to the respective user or vendor only portions of the electronic documents or data relevant to the respective user or vendor.
This invention relates to a system for managing and distributing insurance policy documents and data within a diary system. The system addresses the challenge of efficiently organizing and delivering relevant portions of insurance policies to specific users or vendors, ensuring that only the necessary information is provided to each party. The system utilizes a JSON data structure to store and process policy documents and data, allowing for structured and flexible data handling. The device includes functionality to break down policy documents into field-specific components, such as field breakdowns and parsed fields, which are then mapped to the needs of individual users or vendors. This ensures that each recipient receives only the portions of the policy or data that are relevant to their role or responsibilities. The system also automates the distribution process by pushing the relevant portions of the documents or data directly to the respective users or vendors, eliminating the need for manual intervention. This approach enhances efficiency, reduces errors, and ensures that sensitive or irrelevant information is not inadvertently shared. The system is designed to integrate seamlessly with existing diary systems, providing a scalable solution for managing complex insurance policy data.
13. A device as in claim 11 , further comprising instructions for causing the SFTP system to publish the at least one electronic document or data associated with the event data and results from performance of the actions specified in the diary system to a file folder in a database, the file folder having access rights limited to the at least one user or vendor having access rights to the at least one electronic document or data associated with the event data.
This invention relates to a secure file transfer protocol (SFTP) system for managing electronic documents and data associated with event data and performance actions. The system includes a diary system that specifies actions to be performed in response to event data, such as monitoring or maintenance tasks. The SFTP system securely transfers electronic documents or data related to these events and actions to a designated file folder in a database. The file folder is configured with access rights that restrict access to only authorized users or vendors, ensuring data security and privacy. The system automates the process of documenting and storing event-related information while maintaining strict access controls. This solution addresses the need for secure, organized storage of event data and performance results in environments where multiple users or vendors may require access to specific documents while preventing unauthorized access. The invention enhances data integrity and compliance by ensuring that only authorized personnel can view or modify the stored information.
14. A device as in claim 11 , further comprising instructions for invoking an SFTP service upon receipt of the first or second event data, the SFTP service invoking the diary system for the insurance policy to link the insurance policy to the electronic documents and data required for underwriting of the insurance policy.
This invention relates to an automated system for linking insurance policies with electronic documents and data required for underwriting. The system addresses the challenge of efficiently managing and associating policy-related documents, ensuring compliance and streamlining underwriting processes. The device includes a processing unit configured to receive event data from an insurance policy management system. The event data may include policy creation, modification, or renewal events. Upon detecting such events, the system automatically triggers an SFTP (Secure File Transfer Protocol) service. This service retrieves and links electronic documents and data necessary for underwriting, such as application forms, medical records, or financial statements, to the corresponding insurance policy. The SFTP service interacts with a diary system, which tracks and organizes policy-related documents. The diary system ensures that all required documents are properly associated with the policy, maintaining a centralized and secure repository. This automation reduces manual errors, accelerates underwriting workflows, and enhances data integrity. The system may also include a user interface for administrators to monitor and manage the linking process, ensuring transparency and control. The integration of SFTP with the diary system provides a robust solution for document management in insurance underwriting, improving efficiency and compliance.
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March 19, 2019
April 5, 2022
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